Federal credit union · NASHVILLE, Georgia · NCUA charter #14011
Berrien Teachers
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $1.3M
- Total assets
- 330
- Members
- 19.3%
- Net-worth ratio
Berrien Teachers scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.3M; members 330; net-worth ratio 19.32%; health rank #3,051 of 4,374; healthier than 28th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,051 of 4,374 health · 2025Q4Berrien Teachers · health 77/100 · $1.3M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Berrien Teachers vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Berrien Teachers sits in 75-79 with 502 others.
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Berrien Teachers vs Under $2M peers
- Loan-to-Share Ratio leads the peer set - 59.97% here, 52.70% peer average (+7.27 pp).
- Largest lag: Net Worth Ratio at 19.32% vs peer 22.93% (-3.61 pp).
Berrien Teachers in Georgia
- Health composite ranks #50 of 74 among scored Georgia credit unions.
- Georgia assets place: #71 of 74.
- Membership ranks #71 of 74 among Georgia CUs with a reported count (330 members).
- One place up in Georgia, H E a (#49) scores 78/100, 1 point higher; one place down, F a B Church (#51) ties at 77/100.
How Berrien Teachers's 5300 filing moved
Berrien Teachers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $1.3M (2025Q4) to $1.3M (2026Q1).
- Net-worth ratio shifted +0.05 pp (19.27% → 19.32%).
This credit union's 19.32% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 77/100 score is built
Berrien Teachers gives up 23 points in total. Delinquency Rate costs the most, 19.9 of its 25; Net Worth Ratio and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 5.1 pts
- Return on Assets 14.2 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 12.7 pts
Call Report ratios for Berrien Teachers
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.32% | -3.61 pp |
| Delinquency Rate | 3.18% | -1.29 pp |
| Return on Assets | 0.44% | +0.22 pp |
| Member Growth | 23.60% | - |
| Loan-to-Share Ratio | 59.97% | +7.27 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Berrien Teachers filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.3M | - |
| 2025Q4 | $1.3M | 330 |
| 2024Q4 | $1.3M | 267 |
| 2023Q4 | $1.3M | 285 |
Credit Union Details
- Charter Number
- 14011
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- Under $2M
- State
- Georgia
- City
- NASHVILLE
- Data Quarter
- 2025Q4
Branch Location
Berrien Teachers operates a single office in Nashville, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Berrien Teachers FCU (Main Office) | Nashville, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
Other federally-insured credit unions in Georgia, closest first by peer group and asset size.
Other-state peers near Berrien Teachers
Similar health score
Using this data
- Berrien Teachers ranks #3,051 of 4,374 nationally on financial health and #50 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Flint River Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Flint River Employees
Frequently Asked Questions
Is Berrien Teachers financially healthy?
On its 2025Q4 NCUA 5300 filing, Berrien Teachers scores 77/100 (Very Good), with a 19.32% net worth ratio and 3.18% of loans delinquent. It ranks #3,051 of 4,374 nationally on health and #50 of 74 in Georgia.
How does Berrien Teachers compare to other credit unions?
Berrien Teachers scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (59.97% vs 52.70%). Its widest shortfall is net worth ratio (19.32% vs 22.93%).
How can I join Berrien Teachers?
Berrien Teachers is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Berrien Teachers directly to confirm eligibility.
Is my money safe at Berrien Teachers?
Berrien Teachers is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Berrien Teachers's net worth ratio of 19.32% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.